A Mutual Fund
is a financial tool which allows investors to pool their money together with a predetermined investment objective. The Mutual Fund will have a fund manager who is responsible for investing the pooled money into specific securities (cash, money market instruments, bonds, or stocks). When investors put money into a Mutual Fund, they are buying shares or units of the fund and become a shareholder. Mutual Funds are cost-effective and easy to invest in with low minimum investment requirements. By grouping money together in a Mutual Fund, investors can purchase investments with much lower trading costs than doing it alone. The risk associated with finding a buyer for units when an investor wants to sell, is eliminated because the fund itself will always buy back the sold units. Mutual Funds allow for professional management at a low cost and offer investment diversification. Buying a Mutual Fund automatically diversifies an investment portfolio and this helps reduce market-risk over investing outright in one particular stock or bond.
Make your investment decisions wisely. Important information about mutual funds is found in the funds' simplified prospectus. You can obtain a copy of this from your investment representative. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.
Insurance products, including segregated fund policies are offered through Stewart Fisher and Associates Inc., and Richard Paliani, Vic Garabedian, Craig Mahon, Jason Maleyko and Lina-Marie Mastronardi offer mutual funds through Quadrus Investment Services Ltd.
Quadrus, Quadrus and design, Quadrus Investment Services Ltd. and design and Quadrus Group of Funds are trademarks of Quadrus Investment Services Ltd. used with permission.